In today's episode of Ask Ralph, "Avoiding the Mailbox is Full." Ralph Estep, Jr., discussed the crucial importance of never allowing your customer to hear the dreaded message, "The person you are calling has a voicemail box…
Join Ralph Estep, Jr., as he discusses why building an emergency savings fund is crucial for financial security and peace of mind. Living paycheck to paycheck without savings leaves individuals vulnerable to unexpected event…
Join Ralph Estep, Jr. as he discusses the important topic of reporting the sale of a primary residence. He provides information on the essential documents needed for accurate reporting, such as the closing statement, purchas…
In this episode of Ask Ralph, host Ralph Estep, Jr. explores the wackiest business news stories that have made headlines. These stories remind us that entrepreneurship is full of surprises and that truth can often be strange…
In this episode of Ask Ralph, host Ralph Estep, Jr. discusses the best accounting software for handling accounting tasks in small businesses and the benefits of partnering with a professional accounting firm. Ralph emphasize…
In this episode of Ask Ralph, host Ralph Estep Jr. addresses the common struggle of finding motivation as a small business owner and offers a solution: focusing on core competencies instead of chasing after the competition. …
In this episode of Ask Ralph, host Ralph Estep, Jr. explores the topic of navigating stormy financial times with faith and prayer. Ralph emphasizes that life can bring unexpected storms, especially when it comes to finances.…
Join Ralph Estep Jr. on today's show as he engages in a conversation with Attorney Kevin Baird from the law firm of Baird, Mandalas, Brockstedt & Frederico. Ralph and Kevin have an insightful discussion about estate planning…
The innocent spouse rules with the Internal Revenue Service are provisions designed to protect taxpayers from the tax liabilities of their current or former spouse. In this episode of the Ask Ralph podcast, host Ralph Estep,…
Deferred interest loans have become increasingly popular, particularly in the retail sector, as they allow consumers to make purchases without incurring any interest charges for a specified period. While these loans offer fl…
Ralph Estep, Jr. welcomes listeners to another episode of the Ask Ralph podcast, where he delves into taxes and financial matters. In this episode, he focuses on preparing for tax season and provides valuable guidance on fin…
In this episode of Ask Ralph, we explore the topic of raising your credit score by 200 points in less than five years. Host Ralph Estep Jr. breaks down the importance of credit scores and shares valuable insights on achievin…
In the latest episode of the Ask Ralph show, host Ralph Estep, Jr. discusses financial New Year's resolutions for 2024. According to a study from WalletHub, almost half of all Americans plan to make finance-related resolutio…
In this episode of the Ask Ralph show, host Ralph Estep, Jr. discusses the retirement anti-bucket list – 10 experiences retirees don't want to encounter. He starts by addressing the misconception that one must work until a s…
Today, we're discussing how to save money on your next car purchase. Whether you're in the market for a new or used vehicle, these tips will help you get the best deal possible. Please share our Podcast will all your fr…
Today, we're discussing common estate planning mistakes that you should avoid at all costs. Did you know that two out of three Americans don't have any estate planning documents? That's according to Caring.com’s 2023 Wills a…
Join Ralph Estep, Jr. as he announces IRS updates regarding automatic penalty relief for taxpayers who had balances due in 2020-2021 but did not receive notices, covering eligibility criteria, ensuring address updated to rec…
Are you considering starting a small business? Join Ralph Estep, Jr. as he interviews Amanda Nauman of Zenliven Wellness. Together, they delve into Amanda's journey as a massage therapist and wellness business owner, sheddin…
Ralph Estep, Jr. discusses the pros and cons of emergency withdrawals from 401(k) plans. He highlights that while hardship withdrawals provide immediate funds during crises without repayment requirements, they can deplete re…
Ralph Estep, Jr. addresses the issue of rising inflation in today's episode of the Ask Ralph show. He discusses areas where Americans have seen increased expenses and provides practical tips for saving money during times of …
